UK Take-Home Pay Calculator (2025/26)

Instant net pay from any salary. Income Tax, National Insurance, student loan and pension, with full assumptions and breakdown.

Inputs

£
Region

If unknown, leave as 1257L. This is an estimate helper.

0%
Advanced options

Current calculation uses Category A rates for NI estimate.

Results

Monthly take-home
£1,973.17
Annual: £23,678.10
Take-home
£23,678.10
£1,973.17 / month
Take-home£23,678.10
Income Tax£3,087.50
NI£1,234.40
Student Loan£0.00
Pension£0.00
Weekly
£455.35
Daily
£91.07
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Full breakdown

Item Annual Monthly
Gross salary£28,000.00£2,333.33
Income Tax£3,087.50£257.29
National Insurance£1,234.40£102.87
Student Loan£0.00£0.00
Pension£0.00£0.00
Take-home£23,678.10£1,973.17

Tax bands

BandRateTaxable amountTax paid
Starter rate 19% £2,162.00 £410.78
Basic rate 20% £10,956.00 £2,191.20
Intermediate rate 21% £2,312.00 £485.52
Higher rate 42% £0.00 £0.00
Advanced rate 45% £0.00 £0.00
Top rate 48% £0.00 £0.00

NI and student loan details

National Insurance
Main NI: £1,234.40
Upper NI: £0.00
Student Loan
Plan: none
Repayment: £0.00

Assumptions

Tax year: 2025/26
Region: scotland
Tax code: 1257L
NI category: A
Student loan: none
Pension: 0%
Salary sacrifice: No
Effective tax rate: 15.44%
Marginal rate: 29.0%
Estimates only - not financial advice.